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Happy Valentine's Day!

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​From everyone at CTIA.
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Happy Lunar New Year!

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 From everyone at CTIA.
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10 tips to help you cope with today’s snow

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While winter seems to have skipped January, it appears determined to make up for it now! If you're among the thousands of Northwesterners who awoke to a blanket of white, these 10 tips can help you keep your car, your home and most importantly, yourself, safe. For your car: 1. Postpone all non-essential trips by setting up work-from-home arrangements or rescheduling appointments. 2. Fill your gas tank (in case you're caught in a snow-snarled commute) and pack winter emergency essentials. At minimum : extra food, prescription medicine and warm c...
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Dear Friends and Clients,

Dear Friends and Clients,
On behalf of our entire team, we thank you all so much for the outpour of caring messages and concern since our office fire of October 28th. We are all doing well, united in our commitment to continue serving our clients at the highest level and striving to finish 2018 with momentum that propels us well into 2019. There's a lot of work to be done in the next several months and with your positive energy as a source of support, we feel that we'll soon be even stronger and better than ever before! We have some catching up to do so please keep us i...
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Veterans Day - Honoring All Who Served!

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 Veterans Day - Honoring All Who Served!
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Wishing You a JOYOUS 2019

Wishing You a JOYOUS 2019

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Fire at CTIA

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Sunday night, October 28th, the building that our office has been in for 13 years suffered major fire and smoke damage. Thanks to our three primary carriers, we were up and running within 24 hours! PEMCO, thank you for loaning us office space and unconditional support (taking us in at your headquarters and loaning us desks and office equipment). Safeco, thank you for extending the Emergency Gold Customer Service to our clients. Progressive, thank you for the computer use and all the supplies. Also, a special thank you to Claudia McClain of McCl...
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7 Little-Known Benefits of Renters Insurance

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 Here's a great article about Renters insurance. 7 Little-Known Benefits of Renters Insurance - NerdWallet Renters insurance covers more than the stuff in your apartment. Learn about the other benefits a policy provides. https://www.nerdwallet.com/blog/insurance/renters-insurance-benefits/
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Yellow Speed Signs

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CTIA wants you to know what Yellow Speed Signs mean.  Yellow-Speed-Signs What do these signs really mean? https://www.pemco.com/northwest/perspective/2018-september/yellow-speed-signs
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Sharing the Road

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 Road Rules 101: Turning right across a bike lane

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Extra! Extra! Read All About It!

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Christopher Togawa Insurance Agency marks 30 years. Read all about it here in the Queen Anne & Magnolia News!

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Is making that glass claim really worth it?

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Driving Northbound on I-5, I was behind a semi-truck and had a weird feeling that something might happen. From the truck’s tires I could see dirt chips creating a momentary mini cloud of dust on the freeway. Then, I heard a loud WHACK.

At first, I thought, “Wow, I’m lucky, no crack!” But the next morning, the truth was spread across my windshield.

Unless you have one of those $1000+ windshields, making a claim for windshield repair or replace-ment probably isn’t worthwhile. Sure, companies will reimburse you, but even being reimbursed may not be worth the impact to your insurance rating profile and future rates.

Here’s the scoop...

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September is National Preparedness Month

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Experts suggest these steps as a good place to begin:

  • Create a family communication emergency plan
  • Have a survival kit for three days in your car, home and office
  • Know where your gas, electric and water shut-offs are and how to use them
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Equifax Breach and Identity Protection

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Here’s a link you might find helpful in understanding the recent Equifax breach and some action items for you to consider.

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Washington's Electronic DUI Law Now in Effect

Washington's E-DUI law, which bans the use of any hand-held personal electronic devices while driving, is now in effect. Violations are reportable to insurance companies! Be informed by visiting the Target Zero website for more details.

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Should You Purchase Earthquake Insurance?

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​ The decision whether to purchase earthquake insurance is a difficult one. Homeowners must choose between paying more for coverage or having no coverage for what could be a very catastrophic event. Many homeowners have no earthquake coverage even when living in an area such as ours where there is a possibility of a significant magnitude earthquake occurring some time in the next several decades. Given the increasing values of homes, the decision to purchase earthquake insurance should be appropriately considered. Homeowners typically...
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Safeguard Your Identity

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With summer just around the corner many people are planning vacations and preparing to travel. Traveling can be a time when risk of identity theft increases since we use credit cards frequently. Identity theft is a serious crime that is increasing at an alarming rate. About 1 in 7 U.S. residents over age 16 was a victim in 2014, according to the U.S. Department of Justice. Misusing someone's credit card account is the most common kind of identity theft. According to a recent survey compiled by the US Federal Trade Commission, more than 3 m...
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The Road More Traveled

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Receiving your auto insurance renewal and seeing that your rates have increased can feel very personal. I know, I've had that feeling on a number of occasions over the years.  Even understanding how insurance rates are set, it doesn't make me feel any better to see a rate increase. Thoughts that may cross your mind: ​ "I've been with the same company for years!" "I pay on time; my driving record's clear!" "But my cars are getting older!" ​ The reality is our region continues to show immense population growth, resulting in more traffic cong...
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The Super Friends Referral Program is Our Way to Support Our Community

The Super Friends Referral Program is Our Way to Support Our Community

Our Super Friends Referrals program helps local nonprofits every time you refer CTIA to your friends and family. Any time you make a referral to CTIA and they contact us, we make a $20 contribution to a local nonprofit organization. Super Friends Referrals is our way of both giving back to the community and finding great new clients.

The biggest compliment you can give us is a referral to your family and friends. We’ll take care of them the same way we do all of our clients: with expert advice, unmatched service and a commitment to long-term relationships.

So be a Super Friend and refer CTIA to your friends and family, and help support local nonprofits that make our community a better place to live.

In 2016 we donated to Big Brothers Big Sisters of Puget Sound and The 5th Avenue Student Education Program.

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Full Circle - the Lou Gelfand Story

Full Circle - the Lou Gelfand Story

One of the most rewarding aspects of our work is the relationships we build with people. We are grateful to get to know so many wonderful families, often generations deep, as they grow and change. We would like to share a story about one family in particular, by whom we have been especially touched.

In 1994, Lou Gelfand approached Christopher about his insurance needs. He had recently moved from Detroit to Seattle, having retired from General Motors after 48 years. Christopher and Lou hit it off and Christopher made sure Lou had the insurance protection that was needed. They both enjoyed the spontaneous connection that evolved over the years. Christopher always looked forward to their conversations and enjoyed getting to know Lou on a personal level. Through the years Lou shared many things about his life, including his grief when his wife Rose passed away, not long after they moved to Seattle.  Seattle was a special place for Lou and Rose, spending time with their son Jerry and his family, longtime Seattle residents. Over time, the discussions Lou and Christopher shared became more about life than insurance.  “He was truly special,” Christopher said. “I appreciated every discussion we had, especially the life lessons, experiences and stories Lou shared with me.  This is clearly one of those connections that leave a lasting impression on you. I still remember the day I received the call from Jerry telling me that Lou had passed away. In that call, he acknowledged the special relationship his dad and I had shared. That meant a lot, and really made me reflect on all the great talks we had.”

A couple years passed and Christopher received a phone call from Lou’s daughter Judith.   She had just moved to Western Washington from New Jersey and wanted to thank Christopher for the relationship her dad had spoken of over the years. So, it is true, the apple doesn’t fall far from the tree. Judith became a client of CTIA in 2005 along with her two daughters, Laura and Eva.

And the generations continue. Eva continues to insure with CTIA, and as a successful realtor in Seattle, Eva often refers her clients to Christopher and his team. Oh, and when Laura and her then fiancé began planning their future, Judith let Todd know that she had the perfect insurance agent for the two of them. Todd, being a smart son-in-law-to-be, responded with care because he liked his own insurance agent. His name: Christopher Togawa.  Small world…Wow – that’s bringing it full circle!

Getting to know and serve three generations of the same family is a privilege that we feel honored and grateful to enjoy. It is the people we take care of that give meaning to what we do. We thank all of you for entrusting us with your family’s protection.

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